SYF

NYSE

Synchrony Financial

Financials, Consumer Finance

$78.59

close 7 Aug 2026

+12.92%

52-week change

$25.54B

market cap

$63.08

$88.77

52-week range

Expected price

$60.71 – $74.20

Current price

$78.59

Signal

Could be overvalued

A historical-multiple reference, never a fair-value claim. The band uses only data public at each date and ends at the latest month — no forward estimates.

Current multiples

P/E (TTM)8.06x

P/S (TTM)1.13x

P/B1.51x

EV/EBITDA (TTM)—

FCF yield (TTM)—

PEG (TTM, GAAP)0.55

Context

P/E, own 5-year average6.77x

P/E, sector median16.04x*

Price at 5-year median P/E$65.99*

Indicated dividend yield1.73%

Forward — analyst consensus

Forward P/E (FY2026)8.39x*

Forward P/E (FY2027)7.50x

Forward PEG0.71*

Consensus EPS FY2026 (19 analysts)$9.37

EPS growth (FY2026→FY2027)11.79%

Revenue growth (FY2026)1.35%

Street view

Price target (mean)$89.09*

Target upside13.36%

Ratings (buy / hold / sell)15 / 9 / 0

FY2026 EPS revisions, 30d (up / down)14 / 2

5-year history

Dashed line: average of month-end values

P/E (TTM)

P/S (TTM)

P/B

FCF yield (TTM)

Dividend yield

period to 30 Jun 2026, filed 23 Jul 2026, close 7 Aug 2026

Discounted cash flow

Ten projected years plus a perpetuity, prefilled from filings — a model to argue with, never a fair-value claim.

No free cash flow history is available for this company.

Assumptions

Growth rate, years 1–10%

Perpetual growth%Discount rate%

Base FCF$M

As filed — not assumptions

Current price$78.59

Cash & equivalents$16.19B

Total debt$16.43B

Shares outstanding325.00M

Result

DCF price per share—

Current price$78.59

Margin of safety—

PV of years 1–10—

PV of terminal value—

Equity value—

Market-implied growth—

Projected FCF, years 1–10

Hover for PV and growth

Complete the assumptions to draw the projection.

Projection detail

Override growth for any year; blank years use the uniform rate

Year	2026	2027	2028	2029	2030	2031	2032	2033	2034	2035	Terminal
Growth, %											2.5
FCF	—	—	—	—	—	—	—	—	—	—	—
PV	—	—	—	—	—	—	—	—	—	—	—

period to 30 Jun 2026, filed 23 Jul 2026, close 7 Aug 2026